The $100 XRP Dream: Analyst Explains Why It’s A | Crypto News
Crypto Insight UK used the first post-cut trading day to reframe the XRP narrative around what he calls the distinction between utility and hypothesis, arguing that the latest burst of institutional developments doesn’t mechanically validate “$100 dreams.” While welcoming macro and regulatory tailwinds, he cautioned that euphoria often front-runs fundamentals and urged disciplined profit-taking if XRP reaches what he considers this cycle’s believable vary.
“Don’t get caught in the trap of thinking when it starts to send that it’s going to go to $100 or $200 or $50 straight away,” he said, including that, ought to XRP push into double digits, “I’m going to be taking a significant amount—probably towards 80%—of my portfolio off the table.”
Massive Tailwinds For XRP
The macro backdrop he keyed on was the Federal Reserve’s 25-basis-point fee cut on Sept. 17 and Chair Jerome Powell’s steerage that more easing is feasible this yr. Risk property whipsawed on the headlines before settling, with markets now handicapping additional cuts into year-end. For the analyst, the choice was “pretty much a nothing burger” in isolation, but it sharpened the main focus on micro drivers inside crypto—particularly flows and coverage.
On coverage, he highlighted what might show the most consequential regulatory pivot since US spot Bitcoin and Ether ETFs: the SEC’s approval of generic itemizing requirements for spot commodity ETPs across major exchanges, a change that streamlines the trail for crypto ETFs past BTC and ETH.
In the same sweep, the company cleared Grayscale’s Digital Large Cap product—a multi-asset ETP holding Bitcoin, Ether, XRP, Solana and Cardano—signaling a new part for regulated crypto baskets. “
He also pointed to deepening derivatives infrastructure. CME Group announced it would record choices on Solana and XRP futures, extending regulated hedging instruments past the BTC/ETH duopoly and probably drawing new institutional foundation and vol sellers into those order books.
Yet it was Ripple’s new institutional initiative that the analyst handled as the week’s sleeper story. Ripple, DBS and Franklin Templeton unveiled a plan to allow accredited and institutional purchasers to toggle between Ripple’s greenback stablecoin (RLUSD) and Franklin Templeton’s tokenized money-market fund (sgBENJI) on DBS Digital Exchange—with the bank exploring the use of sgBENJI as repo collateral and Ripple’s stablecoin as transactional grease.
Franklin Templeton will issue the sgBENJI token on the XRP Ledger. In his view, the importance is two-fold: a credible on-chain cash-and-collateral market and a concrete, regulated venue for RLUSD utility.
To underscore the potential scale, he cited RLUSD government Jack McDonald’s estimate that “repo transaction volume is well into the 10s of trillions globally (nearly $12T in the US in 2024 itself).” The analyst didn’t declare that move will migrate wholesale to the XRP Ledger; somewhat, he framed it as an addressable ceiling for tokenized collateral markets if custody, compliance and counterparty rails mature around them.
Why XRP Won’t Reach $100 This Cycle
The technicals in his rundown served more as risk-management context than price calls. He flagged Bitcoin dominance’s current weak point as the inform for an early-stage altcoin rotation while noting that short-term buildings stay uneven.
The analyst referenced BNB’s push toward a 1.618 Fibonacci extension and noticed that XRP, by his drawings, stays below a comparable extension stage—thereby permitting for catch-up dynamics ought to capital rotate. He reiterated that hypothesis usually “moves price further than utility does, at least initially,” and cautioned that merchants mustn’t confuse institutional news with a settled valuation model for base-layer settlement tokens.
Where does that depart XRP? His thesis is intentionally conservative relative to social-media targets. He said he still believes utility “is going to come,” particularly as US market-structure language evolves and institutional rails—ETFs, CME derivatives, tokenized money and collateral—proliferate. However, the analyst continues to uphold his long-stated thesis that the $12 area will mark the cycle top for XRP.
Until there may be a widely accepted framework to price “base utility” for throughput, he intends to promote into strength if XRP hits his personal vary for this cycle, keep a 10% “moon bag” above that, and reassess. The self-discipline, he argued, is psychological as a lot as mathematical: “If you were afraid of losing $1,000 … and it’s now worth $20,000, you should be 20 times more afraid of losing $20,000.”
At press time, XRP traded at $3.03.
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